American International Group, Inc. 401(k): best low-cost funds
American International Group, Inc. Incentive Savings Plan · Plan #003 · NEW York, NY
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Institutional Index Trust
- International stocks (~20-30%): Total International Stock Index FD
- Bonds (~10-20%): Vanguard Institutional Total Bond
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
Pooled funds named in the filing (Schedule D)
These are collective trusts and similar pooled funds the plan reported holding. Names that look like index funds are tagged index by keyword, so check them yourself. Mutual funds are not listed by name in the free data.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| Vanguard Institutional Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| MFO Loomis Large CAP Growth | Loomis Sayles Trust Company LLC | Common/collective trust | $569.0M |
| Total International Stock Index FD index | Vanguard Fiduciary Trust Company | Common/collective trust | $260.8M |
| Vanguard Institutional Extended MKT | Vanguard Fiduciary Trust Company | Common/collective trust | $232.5M |
| Vanguard Institutional Total Bond index | Vanguard Fiduciary Trust Company | Common/collective trust | $209.1M |
| MFS Large CAP Value CIT | Massachusetts Financial Services | Common/collective trust | $201.6M |
| AIG Master Trust | American International Group, Inc. | Master trust | $172.0M |
| Vanguard TGT Retirement 2045 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $155.7M |
| Vanguard TGT Retirement 2035 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $133.4M |
| Vanguard TGT Retirement 2040 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $133.2M |
| Vanguard TGT Retirement 2050 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $120.1M |
| Vanguard TGT Retirement 2030 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $107.0M |
| Vanguard TGT Retirement 2025 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $76.5M |
| Vanguard TGT Retirement 2055 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $65.2M |
| Harding Loevner Int'l Equity CIT | Harding, Loevner Funds, Inc. | Common/collective trust | $42.8M |
| Vanguard TGT Retirement 2060 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $42.4M |
| Vanguard TGT RET Income Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $32.2M |
| MFO Blackrock Total Return Bond FD | Blackrock Institutional Trust CO N.A | Common/collective trust | $30.4M |
| Vanguard TGT Retirement 2020 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $28.6M |
| Vanguard TGT Retirement 2065 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $15.0M |
| NT Coltv Short Term Invt Fund | Northern Trust Investment INC | Common/collective trust | $4.3M |
| Vanguard TGT Retirement 2070 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $1.8M |
| Earnest Smid Core Strategy Fund CIT | Earnest Partners LLC | Common/collective trust | $1.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $729.6M | 16.3% |
| Common/collective trusts | $3.6B | 79.5% |
| Master trusts | $172.0M | 3.8% |
| Participant loans | $17.4M | 0.4% |
Fees paid from plan assets
| Investment advisory & management fees | $1.3M |
| Other administrative fees | $838,617 |
| Total administrative expenses | $2.6M |
Reported administrative expenses were about 0.060% of average plan assets, or about $133 per participant with a balance. This usually excludes fund expense ratios netted inside mutual funds and trusts.
Source: DOL EFAST2 Form 5500 & Schedules H/D, filing ID 20251010164103NAL0019119170001. EIN 132592361.
FAQ
What are the best low-cost funds in the American International Group, Inc. 401(k)?
Based on public filings, index options include Vanguard Institutional Index Trust (US stocks), Total International Stock Index FD (international stocks) and Vanguard Institutional Total Bond (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the American International Group, Inc. 401(k)?
It appears so: the filing lists a US stock index fund, an international index fund and a bond index fund. The split between them depends on your own goals and risk tolerance.
How big is the American International Group, Inc. 401(k) plan?
The plan reported about $4.5B in net assets and 19,879 participants with balances for plan year 2024, according to its DOL Form 5500 filing.
Where does this data come from?
From public U.S. Department of Labor Form 5500 filings (EFAST2) and, where noted, the plan's SEC Form 11-K. Data can be outdated or incomplete, and this page is not financial advice.
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